Kotak Royale Signature vs SBI CashBack Card
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | Kotak Mahindra | SBI |
| Card Type | Premium | Premium Cashback |
| Annual Fee | ₹999 + GST | ₹999 + GST |
| Joining Fee | ₹999 + GST | ₹999 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 5% Cashback on ALL online spends |
| Best For | Travel & Entertainment | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on activation | None |
| Min Income | ₹25,000/month | ₹30,000/month |
| Lounge Access | 8 domestic + 2 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.3 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: Kotak Royale Signature or SBI CashBack Card?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. Kotak Royale Signature is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: Kotak Royale Signature and SBI CashBack Card?
They have the same annual fee: ₹999 + GST.
Do Kotak Royale Signature and SBI CashBack Card offer airport lounge access?
Kotak Royale Signature: 8 domestic + 2 international per year. SBI CashBack Card: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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